“People want to live their money,” Pete Dorsey, financial industry veteran and co-founder of the new AI-based financial planning and investment app, Wing, told me. “They don’t want to just accumulate over time.”No, they don’t, and that’s inconvenient, considering that perpetual accumulation has been the financial industry’s model for at…

Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where…

Find out how much you could earn by locking in a high CD rate today. A certificate of deposit (CD) allows you to lock in a competitive rate on your savings and help your balance grow. However, rates vary widely across financial institutions, so it’s important to ensure you’re getting…

The Controversy Surrounding Solitary ConfinementSolitary confinement has long been one of the most debated practices in modern corrections. Promoted as a necessary tool to maintain order and discipline, it’s increasingly criticized for its psychological and social consequences. Among the various types of isolation used in prisons, disciplinary confinement (DC) stands…

Target-date funds (TDFs), available as mutual funds or ETFs, are designed to help grow retirement savings while managing risk over time. They typically begin with higher allocations to growth-oriented stocks and gradually move toward lower-risk investments like bonds and cash as the target retirement date nears.TDF Popularity Is On TargetAccording…

Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in 2024, and it just announced its first rate cut of 2025, so now could be your last chance to lock in a competitive CD…

Mortgage rates have fluctuated today, and at first glance, the shift in 30-year mortgage rates may not seem noteworthy. According to Zillow, the average 30-year fixed mortgage rate has inched down two basis points to 6.18%. However, puts the 30-year rate at its lowest point of 2025. Mortgage rates probably…

The average HELOC rate is 7.75%, according to the analytics company Curinos. Interest rates on home equity lines of credit have decreased gradually this year, staying below 8% since early August. According to Curinos data, the average weekly HELOC rate is 7.75%. The highest HELOC rate in 2025 occurred in…

Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where…

Young people used to buy houses far more readily. That’s changed, as have the prices of houses, the down payment amount, and the growth of mortgage interest rates. In the process, many younger consumers who might have purchased a starter home aren’t.A good number can’t afford it, which has always…